Best Credit Cards
Welcome to Bargaineering’s best credit cards section! We have compiled a bunch of credit cards that we think offer the best value for consumers today. We have picked a variety of cards from a variety of credit card issuers to find you the best, because we feel that you should have options and pick for yourself.
For our “best of” list of credit cards, we chose the best balance transfer credit card, the best cashback reward credit card, the best overall reward card (which may not give rewards in cash), the best travel credit card and finally the best gas credit card. By finding the best in class for each category, we’re sure you can find a card that you see as the “best credit card.”
Best Balance Transfer Credit Card
The Citi Platinum Select Mastercard, and Citi cards in general, easily takes the best balance transfer credit card category because they offer a 0% APR on balance transfers 12 months. A 12 month 0% balance transfer can result in significant savings. Also, by putting the 0% APR on balance transfers and purchases, you can save regardless of how you use your card. If the Citi Platinum Select isn’t for you, or you already have it, there should be a credit card on our list of 0% balance transfers for you.
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
- Each quarter, you can enroll to earn additional cash back in popular categories.
- Full 1% cash back on all other purchases and eligible cash advances.
- No annual fee*
Best Reward Credit Card
For rewards, Discover has one of the better reward programs and their Discover More card offers a 5% cashback bonus in categories that rotate each quarter.
- 0% intro APR on purchases and balance transfers for 15 months, then the variable APR of 11.99% – 20.99%
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 20% Cashback Bonus at popular retailers when you shop online through Discover
- Up to 1% unlimited Cashback Bonus on all other purchases
- $0 Fraud Liability plus automatic mobile and email fraud alerts
- No Annual Fee
Best Travel Credit Card
The Starwood Preferred Guest® Credit Card from American Express, tied to Starwood Rewards program, offers 25,000 Starpoints after your first purchase (enough for up to 6 nights) and has you earning double points for every $1 spent at a Starwood property and 1 point anywhere else.
- Starpoints(R) BONUS: 10K with your first purchase and another 15K when you spend $15k within 6 months – enough for up to 6 free nights at a category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines and more than 1,000 hotels and resorts worldwide. No blackout dates, ever
- No annual fee for your first year, then $65/year
- Get approved in 60-seconds.
- Get your third night free at participating Sheraton(R) Hotels and Resorts worldwide
Best Gas Credit Card
Remember when I said cashback cards are rare these days? Gas cashback cards are even rarer and to find one we have to turn to PenFed’s Visa Platinum Cashback Rewards card. It offers 5% cashback at gas stations and 1% on everything else with no limit. Your cash rewards are credited to your account every month, you don’t have to submit a request or deal with any paperwork – which is how it should be.
- 13.99% APR — lower than most rewards cards!
- Earn 5.00% cash back from gas purchases paid at the pump*
- Earn 1.00% cash back from all purchases** you make with the card during each billing cycle
- Up to $50,000 limit
- No Annual Fee
- Cash Rewards credited each month
- No special restrictions to earn your cash rewards
- Limited Time Only – Low Balance Transfer Rates†
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
There are our best credit card offers!
